Business Factors & Finance

What Business Factors & Finance does

Business Factors & Finance is a private, US-based financial services company founded in 1999 that provides invoice factoring and a broad suite of working-capital financing products to small and medium-sized businesses across the United States and Canada. The company is jointly operated by two established factoring firms, Riviera Finance and America's Factors, whose combined industry experience exceeds 40 years and which together process more than $1.2 billion of invoices annually through the affiliated group. The company is headquartered in Redondo Beach, California, and maintains 25+ regional offices spanning 15 US metropolitan areas plus Calgary and Toronto, with services available 24/7 via phone, online application, and a secure client portal.

The core product is invoice factoring, in which businesses sell unpaid receivables (Net 30/60/90) to Business Factors & Finance in exchange for an immediate cash advance of 70%-96% of invoice face value, with the remainder released minus a factoring fee after customer payment. The platform supports both recourse and non-recourse structures, with monthly fees of 1%-5% (or approximately 0.75% weekly). Around this core, the company offers asset-based lending, cash flow loans, revenue-based loans, purchase order financing, supply chain (reverse) factoring, payroll factoring, working capital loans, spot factoring, and small business factoring, plus 12+ industry-specific variants covering trucking/freight, staffing, manufacturing, oil and gas, government contracting, IT, fashion/apparel, telecom, healthcare, construction, agriculture, and seafood.

Revenue is generated through transaction-based fees on factored volume and interest/management fees on lending products, supported by a sales-led go-to-market motion combining inside phone sales, an online application portal powered by Formstack, content-driven SEO (blog, white papers, Working Capital Learning Center), and social media. The technology stack is light: a secure online client portal for invoice submission and account tracking, with no disclosed AI/ML, proprietary models, or API ecosystem. Customer concentration is low — all referenced clients are SMBs across distinct verticals — and the operation is supported by 11-50 employees distributed across the regional office network.

Name

Business Factors & Finance

Legal name

Business Factors & Finance

Website

https://businessfactors.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Business Factors & Finance is a private US-based invoice factoring company founded in 1999, jointly operated by Riviera Finance and America's Factors. It provides receivables-backed working capital financing to SMBs across the US and Canada through 25+ offices and a digital application portal.

Ownership category

akta.pro rank

Product category

Commercial Finance / Working Capital Financing

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing, Factoring & Receivables Management (FSAGAJAB), Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Invoice factoring services
• Accounts receivable financing
• Working capital loans
• Small business lending
• Freight bill factoring

Headquarters

HQ city

Redondo Beach

HQ country

United States

HQ region

North America

Offices17 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Invoice/Accounts Receivable Factoring: The primary revenue stream. Businesses sell their unpaid invoices (accounts receivable) to Business Factors & Finance in exchange for an immediate cash advance (typically 70%-96% of invoice face value). Once the customer pays the invoice, the company releases the remaining reserve minus a factoring fee. Both recourse and non-recourse options are available. Fees are structured as monthly (1%-5% per month) or weekly (approximately 0.75% per week) charges.
2. Asset-Based Lending (ABL): Revolving credit lines or term loans secured by business assets (accounts receivable, inventory, equipment, or real estate). Advances of 70%-90% of eligible receivables and 50%-70% of inventory. Revenue generated through interest charges (5%-15% range) and administrative fees.
3. Cash Flow Loans: Revolving lines of credit or term loans based on a business's predictable revenue and cash flow patterns. Repayment may be structured as a percentage of monthly revenue or fixed payment schedule. Revenue through interest and origination fees.
4. Revenue-Based Loans: Capital provided based on historical and projected sales, with repayment as a percentage of monthly revenue (typically 5%-6% of revenue) or as a fixed multiplier (1.3x-3x the original loan). Revenue is generated through the revenue share percentage and any administrative fees.
5. Purchase Order (PO) Financing: Financing that pays suppliers directly to fulfill confirmed customer purchase orders. The company collects payment from the end customer upon delivery. Revenue generated through fees (e.g., 10% of transaction value as demonstrated in examples).
6. Supply Chain Financing (SCF): Also known as reverse factoring. A buyer-driven platform where suppliers can elect early payment on approved invoices. The financing company pays suppliers upfront and collects from buyers on the due date. Revenue generated through discount rates (1%-4% per invoice) and platform/administrative fees.
7. Working Capital Loans: Short-term loans or revolving lines of credit for day-to-day operational expenses, payroll, and short-term obligations. Revenue generated through interest rates (5%-20% APR) plus origination, servicing, and processing fees.
8. Payroll Factoring: Converting unpaid invoices into same-day/same-week funding specifically to cover payroll needs. Structured similarly to invoice factoring with advance rates of 70%-96% and fees of 1%-5% per month, with faster turnaround for last-minute requests.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Business Factors & Finance is an invoice factoring company that purchases businesses' unpaid invoices and accounts receivable in exchange for immediate cash advances (typically 70%-96% of invoice face value, up to 98% for freight). It also provides broader working capital solutions including asset-based lending, cash flow loans, non-recourse factoring, payroll factoring, purchase order financing, revenue-based loans, spot factoring, supply chain financing, and working capital loans to small and mid-sized businesses across the US and Canada.

Product overview

Business Factors & Finance is an established invoice factoring company offering a comprehensive suite of working capital financing solutions. The company operates as a unified financial services platform built around two primary product families: (1) Core factoring products including Invoice Factoring, Accounts Receivable Financing, Non-Recourse Factoring, Payroll Factoring, Spot Factoring, and Small Business Factoring; (2) Broader working capital solutions including Asset-Based Lending, Cash Flow Loans, Revenue-Based Loans, Purchase Order Financing, Supply Chain Financing, and Working Capital Loans. The company was established in 1999 and is run by Riviera Finance and America's Factors, with combined experience of over 40 years. Services are available 24/7 across 25+ locations throughout the U.S. and Canada, with funding typically available within 24-72 business hours. The company specializes in serving multiple industries including transportation/freight, staffing, manufacturing, oil and gas, technology/IT, government contracting, fashion/apparel, telecom, healthcare, construction, agriculture, and seafood.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring

Named customers10 records

Segments14 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• TCI Business Capital: TCI Business Capital is a US factoring company providing invoice factoring and AR financing to SMBs across multiple industries including staffing, manufacturing, and transportation. Closely mirrors BF&F's product breadth and vertical specialization.
• BlueVine: BlueVine is a fintech lender offering invoice factoring and revolving lines of credit to SMBs. Competes head-to-head with BF&F on digital onboarding, speed of funding, and pricing, but with a fully digital rather than phone-and-office model.
• Fundbox: Fundbox provides SMB working capital through invoice advances and short-term credit lines, often embedded in accounting platforms. Comparable target market (US SMBs with cash flow gaps) and overlapping working capital product set.
• Triumph Business Capital: Triumph provides factoring, ABL, and freight bill factoring across the US, with strong trucking industry concentration. Overlapping product suite, target verticals, and SMB-focused go-to-market motion.
• Breakout Capital Finance: Breakout Capital provides factoring and revenue-based financing to SMBs, including freight and government contracting verticals. Direct overlap with BF&F's product catalog and SME target segments.
• AltLine by Pacific Western Bank: AltLine partners with community banks to provide invoice factoring and ABL to SMBs. Comparable product set (factoring, AR financing, ABL) and target customer profile to BF&F, though distribution is via bank referral partners.
• Riviera Finance: Riviera Finance is the founding parent of Business Factors & Finance and one of the largest independent factoring companies in North America. Directly overlapping invoice factoring and AR financing products, serving similar SMB trucking, staffing, and manufacturing clients.
• FundThrough: FundThrough is an invoice financing fintech focused on SMBs and B2B service providers. Directly competes in single-invoice and ongoing invoice factoring with a digital-first experience similar to BF&F's online portal.

Emerging players

• QuickBooks Capital (Intuit): QuickBooks Capital extends working capital loans and invoice factoring to small businesses already using QuickBooks. Partial overlap with BF&F's SME focus, leveraging Intuit's SMB distribution and accounting data rather than a dedicated factoring operation.
• Accutrac Capital Systems: Accutrac Capital is a commercial finance company offering factoring and asset-based lending to small and mid-sized businesses. Comparable ABL and AR financing products and SMB client base, though smaller scale and geographic footprint than BF&F.

Market position

Strengths1 record

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCyHDl30avRfQL-qoCidzgnw
• Facebookfacebook.com/pages/Business-Factors-Inc/167244350063275
• LinkedInlinkedin.com/company/business-factors
• Xx.com/businessfactors

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Business Factors & Finance